Personally - I would never do anything differently for a 10 point drop in credit score. The standard deviation (variance) on credit scores is significantly more than 10 points - so it cost you absolutely nothing for variances generally within 35 points unless you are below 720. However, the % percent interest is like making an extra 5% free money. So - right decision for you - but - hope others considering this will NOT turn down no interest rate credit in this same situation.
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